The Lovers Tarot Card and a Soulmate Angel Oracle Card?

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The Lovers Tarot Card and a Soulmate Angel Oracle Card?

I had a dream the other night. I dreamt of my mom (RIP). She suddenly appeared and approached me with a deck of cards in her hands. I asked her to tell me something about a friend of mine (CV). She took out a card from the deck and it showed The Lovers card with a 6 on it. She was very pleased and extremely excited. Then I asked her to ask the deck a question and took out another card this time it was the Soulmate Angel Card. She then told me to take the opportunity and to just grab it??? I was puzzled as I woke up because I’m meeting this friend next week because I’m leaving to go abroad for work.

Answer by pauvier
One’s mother, or grandmother or their house, often shows up in dreams. It’s a sort of guide or prop. Tarot cards, some of them not all, also show up in dreams a lot, especially older classic systems which are very dream oriented.
There are lots of tarot groups, and dream groups on the web, and you may find some kind of explanation in any one of them usually.
Nice dream, very spiritual… miss mom huh?

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Has anyone had any experience with Angel Credit Solutions?

Currently I am looking for a debt settlement program to be a debt free for my $ 55,000 overdue credit card debts. Angel Credit Solutions was a company contacted me first?
Currently I am looking for a debt settlement program to be a debt free for my $ 55,000 overdue credit card debts. Angel Credit Solutions was a company contacted me first?

Answer by Slimick
If you are already in default on your credit cards,
you don’t have to pay any firm to attempt settlements. They don’t have any special powers. You can try this own your own.

Debt settlement firms deliberately let your accounts charge-off/default to put them into a position to negotiate. This process will destroy your credit rating….Your creditors are under no obligation whatsoever to accept settlements from you or any firm you hire. They might respond by taking you to court.

If you are going to attempt settlements, do it yourself…it puts you in control. If your accounts are charged-off, make a settlement offer in writing…be polite and factual…Get all terms of a settlement prior to paying.

Other options:

Contact your local Red Cross for a referral to the local Consumer Credit Counseling Services (CCCS) in your area. They can negotiate much lower payments and interest rates. They DO NOT negotiate settlements.

They will require you to stop using all credit and to cut up your cards. Your credit report will be updated to “enrolled in debt management.” This does not damage your credit, but it may make it impossible to obtain new credit while you are enrolled in their program….so don’t use this service if you anticipate applying for a new apartment, car loan or mortgage anytime soon, as you would probably be denied while you’re enrolled in the CCCS debt management program…. Otherwise, it can be a very good way to deal with your debt.

Please note that CCCS cannot perform miracles in situations where there is an overwhelming level of debt relative to your income/assets. CCCS is technically a non-profit organization, it is also partially supported/promoted by the credit card industry. My only concern with CCCS is that they would discourage a person from filing for Chapter 7 when in reality that would be in that person’s best interest. Sometimes Chapter 7 bankruptcy is the only solution to overwhelming debt.

Don’t let anyone smear or guilt-trip you for making this decision if you have to…especially all the people who like to quote Dave Ramsey who think that BK should always be avoided….this is ridiculous advise that only benefits credit card companies…Of course BK should be avoided if at all possible…but sometimes it is needed. Do what’s best for you and your family. Corporate America uses BK all the time and no one slams them.

Just remember that you can only file for Chapter 7 once every eight years….so if you file, you won’t be able to discharge your debts again for eight years, even if you find yourself in a worse financial situation..

Answer by Lionel Lin
Yes, please check topix web site and Business Name or Category to found their location:

You can also find their web site at:

The debt settlement program involves negotiating with a creditor or creditors to pay off a percentage of your total debts at an agreed upon settlement amount. Often, people choose to utilize the services of a debt settlement company rather than attempting to do it on their own. Debt settlement companies traditionally employs various negotiation strategies to help settle your debts and can eliminate between 40-60% of your original balances.

If a consumer files for bankruptcy, it is very likely that the creditor will receive nothing of the balance that is owed to them. Therefore, a creditor is better off negotiating with a debt settlement company. Most debt settlement companies work with customers that have legitimate financial problems and honestly need assistance.

The debt settlement process usually takes between 12 to 36 months, so consumers can wait for creditors makes the sensible decision to agree and negotiate. Besides the obvious benefit of debt settlement, another benefit is the help with creditor harassment. Debt settlement companies normally contact all your creditors and inform them that you are working with a debt settlement company and that you are now being represented. This is very important in that it helps minimize or eliminate creditor calls. The standard practice is to direct all communication to the debt settlement company that you are working with. However, it is important to remain cognizant of the fact that original creditors can still contact you legally, but most will comply with such requests.

The most important part of debt settlement is to complete settlement process with your creditors and or collection agencies. In order to do this, it is necessary for a debt settlement company to have you sign a contract and a document that legally authorizes them to negotiate with your creditors on your behalf; this is known as a “Limited Power of Attorney.” During the settlement process, you will make a monthly deposit into a “settlement account” that will eventually be used for your debt repayment. As funds begin to accumulate in the account, the debt settlement company will start to negotiate with your creditors. Once a debt settlement offer has been agreed upon, you will need to send that amount, directly from your account, to the creditor. Once the payment has been made, that debt is considered settled in full. You will no longer owe anything on that debt and the account will be closed.

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